Home insurance protects your house structure and the things inside it against risks like fire, theft, burglary and natural disasters such as floods, storms and earthquakes. You can cover just the building, just the contents, or both, and choosing a long-term policy (often up to 10 years) usually means a lower overall cost. As an IRDAI-licensed broker, Assurmate compares plans from 15+ insurers and gives you free, conflict-free advice plus full claims support.
Home insurance is a property cover that pays to repair, rebuild or replace your home and belongings if they are damaged, destroyed or stolen due to insured events. The "structure" or building cover protects the bricks-and-mortar (walls, roof, fittings and sometimes the cost of rebuilding), while the "contents" cover protects what's inside such as furniture, appliances, electronics and valuables.
In India many insurers now offer a standardised home cover called Bharat Griha Raksha, which automatically includes both the building and general contents, alongside their own comprehensive home plans. You can buy cover as an owner or a tenant, and the right structure depends on whether you own the home, rent it, or are protecting only your possessions. Cover, limits and exact wording vary by insurer and policy.
Home insurance suits anyone with a meaningful stake in a property or its contents: homeowners protecting the single biggest asset they own, those repaying a home loan, families with valuable furniture, electronics and jewellery, and tenants who want to safeguard their belongings even though the building isn't theirs. It is especially worth having if you live in an area prone to floods, cyclones, earthquakes or fire risk, or if rebuilding your home out of pocket would be a serious financial setback. Even a modest annual premium can stand between a one-off disaster and years of recovery, which is why a properly matched policy matters more than simply the cheapest one.
Rebuilding or repairing a home is expensive, and a policy means a fire, flood or earthquake doesn't wipe out years of savings in one go.
You can insure the building, the contents inside, or both, so your walls and your valuables are protected under one plan.
Discounted multi-year policies, often up to 10 years, lock in protection and usually work out cheaper than renewing every single year.
Assurmate is an IRDAI-licensed broker, so we line up plans side by side and help you pick on cover and value, not on sales pressure.
Our guidance costs you nothing and we don't underwrite policies, so our only job is to find the right fit for your home and budget.
If disaster strikes we help you file, follow up and push your claim through, so you're not left navigating paperwork alone.
Share basic details such as whether you own or rent, the rebuilding cost, the value of contents and your location so we understand your risk.
We line up suitable home insurance options from 15+ insurers and explain the cover, limits and exclusions in plain language.
Choose the plan and any add-ons that fit, including a discounted long-term option if you want, and complete the purchase securely.
Receive your policy documents, and lean on our team for renewals, changes and full claims support whenever you need it.
The things people ask us most about this cover.
Building cover protects the physical structure of your home such as walls, roof and permanent fittings, while contents cover protects movable belongings inside like furniture, appliances, electronics and valuables. You can buy one or both, and tenants usually take only contents cover since they don't own the structure.
Yes. If you rent, you can take a contents-only policy to protect your own belongings against fire, theft and other insured events, even though the building belongs to your landlord. The landlord would typically insure the structure separately.
For the building, the sum insured is usually based on the cost to rebuild (carpet area multiplied by construction rate), not the market or land value. For contents, it's based on the replacement value of your belongings. Exact methods vary by insurer and policy wording.
Most comprehensive home policies and the standardised Bharat Griha Raksha cover include natural catastrophes such as floods, storms, cyclones and earthquakes as standard. It's worth confirming this in the policy wording, as inclusions and any conditions can vary by insurer.
Multi-year home policies, often available up to 10 years, typically come with a discount and protect you from yearly premium increases. They also mean you don't risk a lapse in cover from forgetting to renew, though you should still review the cover periodically.
Assurmate is an IRDAI-licensed insurance broker, so we compare plans from 15+ insurers and give free, conflict-free advice rather than pushing one company's product. We also provide full claims support, helping you file and follow through if you ever need to use the policy.
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